Do Parking Tickets Affect Your Insurance?

Drivers often wonder if parking tickets affect car insurance premiums. Many factors influence insurance costs, and understanding different types of violations clarifies this question. While any citation might seem to lead to higher rates, the reality depends on the infraction’s nature.

Understanding Non-Moving Violations

Parking tickets are categorized as non-moving violations. These infractions do not involve the vehicle being in motion or demonstrate unsafe driving behavior. Examples include parking at an expired meter, in a restricted zone, or with expired vehicle registration tags.

These violations do not directly affect car insurance premiums. Insurers assess risk based on driving habits and accident likelihood. Non-moving violations relate to vehicle ownership or static regulations, not on-road conduct, and do not indicate an increased collision risk. However, failing to pay these tickets can lead to escalating penalties, including increased fines, and may indirectly influence insurance rates if it impacts your credit score in states where credit history is a rating factor.

Distinguishing Moving Violations

In contrast to non-moving violations, moving violations are offenses committed while a vehicle is in motion and are directly linked to unsafe driving behavior. These infractions are considered significant because they increase the risk of accidents or claims. Examples of moving violations include exceeding the posted speed limit, running a red light or stop sign, reckless driving, or driving under the influence.

Moving violations signal a higher likelihood of a policyholder being involved in an accident. Insurers view these violations as indicators of increased risk, which leads to higher premiums. The severity and frequency of these violations directly correlate with the perceived risk and increased insurance costs.

How Insurers Assess Driving Records

Insurance companies routinely access driving records to evaluate a policyholder’s risk profile. They typically obtain Motor Vehicle Reports (MVRs) from state Departments of Motor Vehicles (DMVs) or similar agencies. These reports provide a comprehensive account of a driver’s history, detailing traffic violations, accidents, and the status of their driver’s license, including any accumulated points.

The frequency and severity of moving violations on an MVR directly influence insurance premiums. Drivers with multiple or serious moving violations are considered higher risk, resulting in increased rates. Most violations remain on a driving record for three to five years. More severe offenses, such as driving under the influence, can remain for seven to ten years, depending on the state.

Accessing Your Driving Record

It is beneficial to periodically obtain a copy of your driving record to understand the information insurers use to assess your premiums. This also allows for the correction of any potential errors or discrepancies that might exist. You can typically request your driving record through your state’s Department of Motor Vehicles (DMV) or equivalent agency.

Common methods for requesting a record include online portals, mail, or in-person visits to a DMV office. A small fee, typically $7 to $15, is associated with obtaining an official copy. When requesting, provide identifying information like your driver’s license number and date of birth. Some states offer different versions of the record, such as a three-year, seven-year, or complete history, with varying fee structures.